This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 195 complaints

Chime Financial Inc - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade D.

Complaints by issue type

What consumers report about Chime Financial Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record chime-financial-inc Chime Financial Inc

Grade D · 195 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 195
  • GRADE D
  • 12MO 143
  • STATES 34
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #550
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: 2288984 Ontario Inc. (195 complaints)

2288984 Ontario Inc.2288984 Ontario Inc.195Asta Funding Inc.Asta Funding Inc.195Credit Bureau Services AssociationCredit Bureau Services Assoc…195Medical Society Business Services, Inc.Medical Society Business Ser…195Chime Financial Inc (this)Chime Financial Inc (this)195
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Chime Financial Inc's 195 CFPB complaints sit next to 2288984 Ontario Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 195 complaints break down

Every complaint issue type on record for Chime Financial Inc, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
49.1/100
Chime Financial Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
195
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Chime Financial Inc spreads filings across 34 states - Texas leads at only 12.8%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Texas still leads at 12.8% across 34 states
Seasonal peak
2025-12 13.2%
8–15% band · 36 filings
Corpus ranks
#550 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Chime Financial Inc compare to its peers?

How does Chime Financial Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Chime Financial Inc National average
Complaints (last 12 mo)lower is better
143
6
268
Timely-response ratehigher is better
100%
95%
91%
Consumer-dispute ratelower is better
0%
31%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Chime Financial Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%20%40%60%80%100%120% 5%10%15%20%25%30%35% Timely response rate (%) Dispute rate (%) Chime Financial Inc vs. 10 similar-volume peers, by response speed and dispute rate ASTA FUNDING INC.Credit Bureau Services Association2288984 Ontario Inc.Medical Society Business Services, Inc.Progressive Financial Services, Inc.Integrated Recovery ServicesKelsting Group, Inc.Data and Contact Management Solutions, LLCSa-Vit Enterprises, Inc.The Thomas Agency, Inc.
Source: CFPB Consumer Complaint Database

Chime Financial Inc's complaint volume in context

Chime Financial Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

195 Top 10% higher than 90% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). This entry sits in this band. 200–220: 536 collectors (10%). Above this entry. Chime Financial Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
76
Took or threatened to take negative or legal action
53
False statements or representation
36
Written notification about debt
24
Threatened to contact someone or share information improperly
3
Electronic communications
2
Communication tactics
1

Where do complaints against Chime Financial Inc come from?

Chime Financial Inc's own per-state count, not a national baseline.

Top states by complaints against Chime Financial Inc

Across 34 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Chime Financial Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 195.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Chime Financial Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.